Cheaper 1996 Volkswagen GTI Car Insurance Rates

Buying low-cost auto insurance online is impossible for consumers new to shopping for insurance online. With a ridiculous number of choices, how can drivers effectively compare them all to find the best price?

It is always a good idea to take a look at other company’s rates every six months since insurance rates are usually higher with each renewal. If you had the lowest rates on GTI coverage on your last policy other companies may now be cheaper. There is a lot of wrong information about auto insurance on the internet, so with this article, you’re going to get some tested techniques to buy auto insurance cheaper.

Cheap Insurance Coverage Comparisons

There are multiple methods to compare 1996 Volkswagen GTI insurance coverage quotes, and some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the larger companies participate in an industry program where insurance shoppers submit one quote, and at least one company returns a rated price based on that data. This saves time by eliminating quote requests for every insurance coverage company.

To submit your quote information now, click here to start a free quote.

The only downside to comparing rates this way is that consumers can’t choose the providers you will receive quotes from. So if you want to select specific providers to request quotes from, we have a page of companies who write insurance coverage in your area. Click here to view list.

It’s up to you which method you use, but compare apples-to-apples coverage limits on every quote you get. If you have unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate. Slightly different coverage limits can make a big difference in price. And when quoting insurance coverage, remember that more quotes will increase your chances of finding a lower rate.

Don’t miss these discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but some must be requested specifically before you get the savings.

  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates on GTI coverage.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Government Employees – Simply working for the federal government can save as much as 8% on GTI coverage with certain companies.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click here to view.

When might I need help?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Are my friends covered when driving my 1996 Volkswagen GTI?
  • Am I covered if I drive in a foreign country?
  • What is no-fault insurance?
  • Is my 1996 Volkswagen GTI covered for smoke damage?
  • Do I have coverage if my license is suspended?
  • Which companies will insure high-risk drivers?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as hospital visits, chiropractic care, EMT expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1996 Volkswagen GTI.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, vandalism, damage from flooding, rock chips in glass and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your GTI caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

Liability insurance provides protection from damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like emergency aid, legal defense fees, court costs and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.